Deposit Advisory Service Fall 2021

GICs Online, Low-interest Rates and Regulation

The Deposit Advisory Service (DAS), is ISS Market Intelligence’s flagship research focused on the multiple deposit products available in Canada and the distribution channels through which they are sold.

The report’s sections consider the marketplace from a number of vantage points, including distribution channels, product structure, interest rate/pricing factors, time to maturity, liquidity, transactions, segmentation by account size, and provincial distribution.

The Fall 2021 edition special feature covers several key changes in the deposit makeup in the first six months of 2021—when Canada’s economic “reopening” went through changes on an almost weekly basis. Term deposits experienced a sharp decline through the first half of the year, and many product launches targeted the ESG investing trend. The low-interest rate environment continues to complicate the near-future for premium savings and term deposits alike.